The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,585
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$809/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,378/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,463
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$774/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,656
−HK$971/mo
Today · 4.125%
HK$32,627
baseline
▲ 0.50% · 4.625%
HK$34,612
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,254/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,155
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,071
−HK$929/mo
Today · 4.125%
HK$36,000
baseline
▲ 0.50% · 4.625%
HK$37,898
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,000/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,818
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,933
−HK$1,132/mo
Today · 4.125%
HK$38,065
baseline
▲ 0.50% · 4.625%
HK$40,381
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,130/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,848
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,916
−HK$1,084/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,052
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,485
−HK$1,455/mo
Today · 4.125%
HK$48,940
baseline
▲ 0.50% · 4.625%
HK$51,918
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,880/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,233
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,607
−HK$1,394/mo
Today · 4.125%
HK$54,001
baseline
▲ 0.50% · 4.625%
HK$56,847
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,002/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,752 · Scale 2, in force from 26 Feb 2026)